AmeriServ Financial Inc (ASRV) — Defensive Interval Ratio
AmeriServ Financial Inc (ASRV) has a Defensive Interval Ratio of 584 days as of June 2026. Defensive assets of $5.98 Million (cash $-, short-term investments $-, receivables $5.98 Million) cover 584 days of daily cash needs of $10.23K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
AmeriServ Financial Inc Defensive Interval Ratio (1992–2025)
This chart shows how AmeriServ Financial Inc's Defensive Interval Ratio has evolved across 34 annual periods from 1992 to 2025. As of June 2026, the ratio stands at 584 days, meaning defensive assets of $5.98 Million can fund 584 days of operations without new revenue. For the complete balance sheet picture, see AmeriServ Financial Inc assets under control.
Annual Defensive Interval Ratio for AmeriServ Financial Inc (1992–2025)
The table below presents the year-by-year Defensive Interval Ratio for AmeriServ Financial Inc from 1992 to 2025, covering 34 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See AmeriServ Financial Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 7 days | $23.66 Million | $3.42 Million/day | $- | $18.10 Million | ▼ -41 days |
| 2024 | 48 days | $161.11 Million | $3.33 Million/day | $- | $155.62 Million | ▼ -4 days |
| 2023 | 52 days | $171.24 Million | $3.29 Million/day | $- | $165.71 Million | ▼ -4 days |
| 2022 | 56 days | $184.31 Million | $3.28 Million/day | $- | $179.51 Million | ▲ +3 days |
| 2021 | 54 days | $167.16 Million | $3.12 Million/day | $- | $163.17 Million | ▼ -554 days |
| 2020 | 607 days | $149.23 Million | $245.73K/day | $- | $144.16 Million | ▲ +553 days |
| 2019 | 54 days | $145.20 Million | $2.69 Million/day | $- | $141.75 Million | ▼ -1 days |
| 2018 | 55 days | $150.22 Million | $2.71 Million/day | $- | $146.73 Million | ▲ +7 days |
| 2017 | 49 days | $132.74 Million | $2.73 Million/day | $- | $129.14 Million | ▲ +0 days |
| 2016 | 48 days | $130.19 Million | $2.69 Million/day | $- | $127.08 Million | ▲ +1 days |
| 2015 | 47 days | $122.52 Million | $2.61 Million/day | $- | $119.47 Million | ▼ -5 days |
| 2014 | 52 days | $130.24 Million | $2.49 Million/day | $- | $127.11 Million | ▼ -7 days |
| 2013 | 59 days | $144.89 Million | $2.46 Million/day | $- | $141.98 Million | ▼ -7 days |
| 2012 | 66 days | $154.50 Million | $2.33 Million/day | $- | $151.54 Million | ▼ -15 days |
| 2011 | 82 days | $186.14 Million | $2.28 Million/day | $- | $182.92 Million | ▲ +79 days |
| 2010 | 3 days | $6.67 Million | $2.21 Million/day | $- | $3.46 Million | ▼ 0 days |
| 2009 | 3 days | $7.36 Million | $2.22 Million/day | $- | $3.77 Million | ▼ -5 days |
| 2008 | 9 days | $19.31 Million | $2.23 Million/day | $- | $15.58 Million | ▲ +7 days |
| 2007 | 2 days | $4.23 Million | $2.17 Million/day | $- | $197.00K | ▼ 0 days |
| 2006 | 2 days | $4.58 Million | $2.17 Million/day | $- | $413.00K | ▲ +0 days |
| 2005 | 2 days | $4.32 Million | $2.13 Million/day | $- | $199.00K | ▼ 0 days |
| 2004 | 2 days | $4.49 Million | $2.18 Million/day | $- | $199.00K | ▼ -248 days |
| 2003 | 250 days | $547.11 Million | $2.19 Million/day | $- | $542.19 Million | ▲ +247 days |
| 2002 | 3 days | $6.43 Million | $2.11 Million/day | $- | $362.00K | ▲ +1 days |
| 2001 | 3 days | $7.33 Million | $2.92 Million/day | $- | $660.00K | ▲ +2 days |
| 2000 | 0 days | $763.00K | $3.08 Million/day | $- | $763.00K | ▼ -4 days |
| 1999 | 5 days | $16.70 Million | $3.69 Million/day | $- | $- | ▲ +1 days |
| 1998 | 4 days | $17.20 Million | $4.46 Million/day | $- | $- | ▲ +1 days |
| 1997 | 3 days | $17.30 Million | $5.26 Million/day | $- | $- | ▼ -2 days |
| 1996 | 5 days | $17.40 Million | $3.55 Million/day | $- | $- | ▲ +0 days |
| 1995 | 5 days | $16.80 Million | $3.49 Million/day | $- | $- | ▲ +0 days |
| 1994 | 4 days | $16.90 Million | $3.88 Million/day | $- | $- | ▲ +1 days |
| 1993 | 3 days | $8.90 Million | $2.91 Million/day | $- | $- | ▼ 0 days |
| 1992 | 3 days | $9.40 Million | $2.79 Million/day | $- | $- | — |